TAKAFUL TERM 80 MAA TAKAFULINK 2012 MOST OUTSTANDING ISLAMIC RETAIL PRODUCT 2009, 2010, 2011 MOST OUTSTANDING TAKAFUL PRODUCT TP288/1/L
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1 TAKAFUL TERM 80 MAA TAKAFULINK 202 MOST OUTSTANDING ISLAMIC RETAIL PRODUCT 2009, 200, 20 MOST OUTSTANDING TAKAFUL PRODUCT TP288//L
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3 WE RE THERE WHEN YOU C AN T BE... They say fortune comes in many forms; family however, is a blessing that s arguably at the topmost of any breadwinner s mind. Imagine the serenity of coming home to the welcoming arms of your children watching television in a cosy living room, their eyes lighting up as you turn your keys at the front door. Life is challenging. We ve gone through our share of hardships enough to know that in such a volatile world we live in, nothing is certain. All it takes is one crucial slip and everything could come crashing down. It s time to think about protecting the future for you and your loved ones. If it should ever happen to you, be prepared with the Takaful Term 80. The Takaful Term 80 is tailored to provide financial protection for your loved ones with affordable contribution. With ample financial protection and flexibility for your dependents based upon shariah ideals, you can finally gain the peace of mind you deserve should unexpected events occur. Act now and protect your loved ones with Takaful Term 80 to guard from that one crucial slip. Why Choose TAKAFUL TERM 80? 24-hours protection with worldwide coverage. Affordable & level contribution until maturity. Provides guaranteed coverage until the age of 80. Flexible Payment Channel - Cash, Cheque, Credit Card, Easy Contribution Payment, Auto Debit, MAA Takaful ATM Machine, Over-the-Counter (MAA Takaful Branches or Head Office), BSN Giro, 2 Public Sector Bank Standing Instruction, Internet Banking and epayment facility. Provide financial security to your family. The contribution paid may qualify for a personal tax relief maximum up to RM6,000 a year. (subject to the final decision of Inland Revenue Board (IRB) of Malaysia). Surplus Sharing every Participant is entitled to share the surplus if any, from the Risk Fund with the Takaful Operator based on a 50:50 sharing ratio. This is not guaranteed and subject to terms and conditions. Notes : Contribution is anticipated to be level until maturity and it is not guaranteed. The Company reserves the right to revise the contribution by giving 3 months notice. 2 Additional 2% will be added to the Wakalah Fee for payment under Public Sector.
4 What are the Benefits of TAKAFUL TERM 80? Takaful Term 80 offers a guaranteed coverage on Death and Total and Permanent Disability up to age 80. In addition, it focuses on a pure protection and a level contribution until maturity. It has the following benefits: Benefits Takaful Term 80 Death Benefit TPD Benefit Flexible Term of Coverage Maturity Benefit In the event of Death, the Basic Sum Covered plus the 2 Participant Investment Account (PIA) value, will be payable to the Participant s nominees. Should 3 TPD occur before the age of 70, the Basic Sum Covered plus the 2 PIA value, will be payable to the Participant It offers flexible terms of coverage with choice of terms from 5 years until expiry age 80 years old. On maturity of the plan, the PIA is payable. You will receive the maturity benefit which is equal to the 2 PIA Value. There will be no benefit paid from the 4 Participant Risk Investment Account (PRIA). Notes : Sum Covered for Death benefit, TPD benefit, and benefits provided by the rider(s) taken are guaranteed, as long as the certificate is in force in which the PIA balance is sufficient to pay for tabarru deduction to the Risk Fund. In the event of deficit in the Risk Fund, it would be met through Qardh (interest free loan) from the Takaful Operator. 2 PIA value is based on the actual performance of the fund and it is not guaranteed. The investment risk of the PIA fund will be borne solely by the Participant and the value of the fund may be less than the total contributions made to the investment fund. 3 TPD Total & Permanent Disability 4 PRIA is a risk fund where the tabarru' (donation) will be credited and is used to help other Participant in times of misfortune. Enhancing Your Plan Reap the full advantage of our protection offerings by selecting from a host of optional riders that can be attached to the Takaful Term 80 with additional contribution as follows: Critical Illness Plus Critical Illness Super Waiver of Contribution for Critical Illness Parent Contributor Spouse Contributor it provides a coverage upon diagnosis of a critical illness. it provides additional coverage for Death, TPD and Critical Illness it waives the future contribution when a Critical Illness is diagnosed, taking away the financial burden of having to continue paying the contribution when such an unexpected event occurs. it waives the future contribution in the event of Death, TPD or upon diagnosis of a Critical Illness on the parent. it waives the future contribution in the event of Death, TPD or upon diagnosis of a Critical Illness on the spouse. Hospital Benefit it provides a handy daily cash benefit for hospitalisation due to illnesses or injuries. Accidental Death & Dismemberment Accident Medical Reimbursement Weekly Indemnity Permanent Disability TA K Indemnity A F U L T E R M 8 0 Khusus Protection TA K A F U L T E Rpurposes. M 8 0 it covers Death or Total and Irrecoverable loss of use of bodily functions due to accident. it reimburses medical expenses for medical treatment due to accident. it supplements the weekly income while the person covered is unable to work due to a temporary disability caused by accident. it provides an additional coverage for TPD which occurs 90 days from date of accident. it provides a Funeral Expense of RM2,000 plus an additional death benefit of RM5,000 for other
5 Eligibility Person Covered - Anyone from the age of 30 days up to 70 years Participants/Applicant - Anyone from the age of 8 years and above Wakalah Model MAA Takaful Berhad operates under the principle of Wakalah, whereby the Takaful Operator acts as an agent to the Participant for managing the operations of the Takaful business. A Wakalah Fee will be charged up-front from the contributions paid. Tabarru' (donation) will be deducted to the PRIA, where it will be used for mutual aid and assistance, based on the concept of TakafuI. The benefits are paid from the PRIA only upon a covered loss, and not upon maturity or surrender of the certificate. Surplus sharing (if any) at the end of each financial year will be shared between the Participant and MAA Takaful Berhad at 50:50 ratio. The investment profit generated in the PIA is NOT GUARANTEED and depends on the actual performance of the fund. The investment profit earned in the PIA belongs to the Participants and the Takaful Operator does not participate in these returns. Wakalah Fee Certificate Year & onwards Wakalah Fee (%) Note : Additional 2% will be added to the Wakalah Fee above for the payment under Public Sector & Worksite
6 FREQUENTLY ASKED QUESTIONS. Am I eligible to be covered by this plan? Anyone from the age of 30 days to 70 years is eligible to be covered under this plan. 2. When will my coverage begin? Your coverage will take effect upon Takaful Operator s approval of your application together with the payment of contribution. A certificate of Takaful will be issued to all successful applicants. 3. What is the minimum and maximum term of coverage for this plan? The minimum term of coverage is 5 years. Meanwhile, the maximum term limit of coverage will be until Person Covered's age reaches 80 years old. For example, Person Covered entering with age 67 have a maximum term limit of 3 years. 4. How do I pay my contribution*? Flexible Payment Channel - Cash, Cheque, Credit Card, Easy Contribution Payment, Auto Debit, MAA Takaful ATM Machine, Over-the-Counter (MAA Takaful Branches or Head Office), BSN Giro, Public Sector, Bank Standing Instruction, Internet Banking and epayment facility. *Please refer to your consultants for further details. 5. What will happen if I do not pay my contributions? If your contributions are not paid by the due date, your 2 Tabarru' amounts will be automatically deducted from your 3 Participant Investment Account (PIA) into the 4 Participant Risk Investment Account (PRIA), until the PIA is insufficient, at which time the Certificate shall lapse. You may reinstate the Certificate by paying RM50 5 for Reinstatement Fee. 6. What is Total & Permanent Disability (TPD)? TPD is defined as the total incapacity of the person covered as a result of accidental bodily injury, sickness or disease to work for the remainder of his/her lifetime. TPD is also defined as () total and irrecoverable loss of the sight of both eyes; or (2) loss by severance of two limbs at or above wrist or ankle; or (3) total and irrecoverable loss of the sight of one eye and loss by severance of one limb at or above wrist or ankle. For person who are not gainfully employed or earning any income at the time of TPD, including housewives and juveniles, an Activities of Daily Living Test is used to measure the extent of TPD. (For further details on TPD please refer to the Certificate.) 7. How do I make a claim on the certificate? In the event of a death claim, please notify Takaful Operator in writing and we shall send the necessary claim forms. Written notification must be done within 90 days from the date of the incidents. 8. Can I surrender my certificate? Yes, you can surrender your certificate. The PIA value is payable when you surrender your certificate. The PIA value is not guaranteed. You will be deemed to have terminated your Takaful Benefit/Coverage and no benefits will be paid from the PRIA. 9. Is there any surrender charge imposed to my certificate? Yes, if you surrender within the first three (3) certificate years, RM50 5 surrender charge will be imposed. There will be no surrender charge thereafter. 0. Can I change from one plan to another plan, e.g 20 years to 30 years term? No, you cannot change the plan. However, you can participate in another plan with different term, subject to individual maximum limit and underwriting guidelines.. Is there any additional period given to the customer to pay their contribution after the due date? Yes, 3 days of grace period will be given to the customer to pay their contribution after the due date. 2. Am I entitled for Cash Withdrawal benefit? No, this Certificate does not allow Cash Withdrawal. Notes : Additional 2% will be added to the Wakalah Fee for payment under Public Sector. 2 Tabarru shall means donation and is the amount that the Participant agrees to relinquish to assist those person participating in the Takaful Plan and to pay for the Takaful. 3 PIA value is based on the actual performance of the fund and it is not guaranteed. The investment risk of the PIA fund will be borne solely by the participant and the value of the fund may be less than the total contributions made to the investment fund. 4 PRIA is a risk fund where the tabarru' (donation) will be credited and is used to help other Participant in times of misfortune. 5 This fee is subject to 6% Goods & Services Tax (GST) effective st April 205. Your obligation to pay GST shall form part of the Terms and Condition in your Takaful Certificate.
7 EXCLUSIONS Exclusion For Death Benefit Death from suicide within one () year from the commencement date or date of increase in the Sum Covered, whichever is later, whether the Person Covered is sane or insane, shall limit the Takaful Operator s liability to the PIA value on the date of the death. Exclusion for TPD Benefit a. Self-destruction or any attempt thereat while sane or insane; b. Armed forces service in time of declared or undeclared war or while under orders for warlike operations or restoration of public order; c. Entering, operating or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance except while the Person covered is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route. Note : Exclusion: The above exclusions are non exhaustive. Please refer to the Takaful Certificate for full list of exclusions. Sample of Annual Contribution for 30 Years Term (Based on RM350,000 Sum Covered) Age Male Female ,27,852,852 2,268 3,602 Notes :. The above contributions can be paid on a yearly, semi-annual, quarterly or monthly basis ,05,260 2,044 TAKAFUL TERM 80 Contribution Allocation The contributions paid are allocated based on following allocation rates: (based on Male, Age 35, Takaful Term 80 Plan for 30 years term (based on Annual Contribution of RM2,268 and RM350,000 Sum Covered)). Year & onwards Contribution Amount (RM) 2,268 2,268 2,268 2,268 2,268 2,268 2,268 Wakalah Fee 75% 65% 55% 45% 35% 25% 0% Wakalah Fee (RM),70,474,247, Allocated Contribution(%) 25% 35% 45% 55% 65% 75% 90% Allocated Contribution (RM) ,02,247,474,70 2,04 The allocated contributions will be allocated in PIA fund and to be invested. PIA value is based on the actual performance of the fund and it is not guaranteed. The investment risk of the PIA fund will be borne solely by the Participant and the value of the fund may be less than the total contributions made to the investment fund.
8 Juvenile Lien In the event of the Person Covered's death / TPD prior to his or her attaining the age of 4 years the amount payable under the Certificate shall be in accordance with the following schedule: Age of Death/TPD (Last Birthday) 0 year year 2 years 3 years 4 years Percentage (%) of Sum Covered Payable
9 KAMI BERSAMA ANDA DI SAAT ANDA MEMERLUKAN Kekayaan datang dengan pelbagai cara dan bentuk, tetapi keluarga sudah tentunya satu anugerah yang menjadi keutamaan setiap ketua keluarga. Bayangkan betapa bahagianya anda apabila pulang ke rumah untuk bersama anak-anak anda yang selesa bersantai di ruang tamu sambil menonton televisyen. Mereka tersenyum gembira menyambut kepulangan anda. Hidup ini penuh dengan cabaran. Anda telah menempuh segala dugaan hidup, dan anda sedar bahawa dalam dunia yang fana ini, tiada apa yang pasti. Hanya satu kesilapan kecil dan segala-galanya boleh musnah. Sudah tiba masanya untuk anda merancang perlindungan masa depan anda dan orang tersayang. Sekiranya sesuatu yang tidak diduga berlaku, anda telah bersedia menghadapinya dengan Pelan Takaful Term 80. Takaful Term 80 adalah pelan yang dirangka khusus untuk menangani kemungkinan-kemungkinan tersebut. Dengan perlindungan kewangan yang mencukupi dan fleksibiliti berlandaskan prinsip syariah, anda boleh mendapatkan ketenangan fikiran sekiranya kejadian tidak diduga berlaku. Bertindaklah sekarang dan lindungi keluarga tersayang dengan Pelan Takaful Term 80 untuk mengurangkan kesan buruk daripada sebarang dugaan hidup. Kenapa Memilih TAKAFUL TERM 80? 24 jam perlindungan di seluruh dunia Kadar yang berpatutan dan caruman yang setara sehingga matang Menyediakan perlindungan yang dijamin sehingga umur 80 tahun Saluran pembayaran yang fleksibel Tunai, Cek, Kad Kredit, Pembayaran Caruman Mudah, Auto Debit, Mesin ATM MAA Takaful, Pembayaran di Kaunter (Cawangan MAA Takaful dan Ibu Pejabat), BSN Giro, 2 Biro Angkasa, Perintah Arahan Tetap dari Bank, Perbankan Internet dan fasiliti epembayaran Menyediakan jaminan kewangan kepada keluarga anda Caruman yang dibayar akan diberi pelepasan cukai individu sehingga jumlah maksimum sebanyak RM6,000 setahun (bergantung kepada keputusan akhir dari Lembaga Hasil Dalam Negeri) Perkongsian Lebihan setiap Peserta layak untuk berkongsi Lebihan, jika ada dari Dana Risiko dengan Pengendali Takaful tertakluk kepada nisbah 50:50. Ianya tidak dijamin dan tertakluk kepada terma dan syarat. Nota : Caruman adalah dijangka setara sehingga matang dan ianya tidak dijamin. Pengendali Takaful mempunyai hak untuk menyemak kadar caruman dengan pemberitahuan 3 bulan notis. 2 Lebihan 2% Yuran Wakalah akan dikenakan bagi bayaran melalui Biro Angkasa.
10 Apakah Manfaat-manfaat TAKAFUL TERM 80? Takaful Term 80 menawarkan jaminan perlindungan untuk Kematian dan Hilang Upaya Keseluruhan dan Kekal (HUKK) sehingga umur 80 tahun. Tambahan pula, ianya tertumpu kepada perlindungan dan kadar sumbangan yang tetap sehingga matang. Ianya menawarkan faedah-faedah seperti berikut: Manfaat-manfaat Takaful Term 80 Manfaat Kematian Manfaat HUKK Tempoh Perlindungan Yang Fleksibel Manfaat Kematangan Sekiranya berlaku Kematian ke atas Peserta, Jumlah Dilindungi dan nilai 2 Akaun Pelaburan Peserta (APP), akan dibayar kepada penerima manfaat Peserta. Sekiranya Orang Yang Dilindungi mengalami 3 HUKK sebelum umur 70, Jumlah Dilindungi dan nilai 2 APP, akan dibayar kepada Peserta. Ianya menawarkan tempoh perlindungan fleksibel dengan pilihan tempoh antara 5 tahun sehingga umur matang iaitu 80 tahun. Apabila pelan matang, nilai APP akan dibayar. Peserta akan menerima Manfaaat Kematangan yang bersamaan dengan jumlah nilai 2 APP. Tiada manfaat yang akan dibayar daripada 4 Akaun Pelaburan Risiko Peserta (APRP). Nota : Manfaat Kematian, manfaat Hilang Upaya Keseluruhan dan Kekal, dan manfaat-manfaat yang disediakan oleh manfaat-manfaat tambahan yang diambil adalah dijamin, dengan syarat baki di dalam APP adalah mencukupi untuk membayar potongan tabarru yang dikreditkan dalam Dana Risiko. Sekiranya berlaku defisit di dalam Dana Risiko, ia akan dibayar melalui Qardh (pinjaman tanpa faedah) daripada Pengendali Takaful. 2 APP adalah berdasarkan prestasi dana yang sebenar dan ianya tidak dijamin. Risiko pelaburan di dalam APP akan ditanggung sepenuhnya oleh Peserta dan manfaat yang diperolehi mungkin bernilai kurang dari jumlah caruman yang dilaburkan ke dalam dana. 3 HUKK Hilang Upaya Keseluruhan dan Kekal 4 APRP adalah dana risiko yang mana tabarru' (sumbangan) akan disalurkan yang bertujuan digunakan untuk sokongan dan bantuan bersama sekiranya Peserta ditimpa musibah. Mempertingkatkan Pelan Anda Nikmati sepenuhnya kelebihan perlindungan kami dengan memilih pelbagai manfaat tambahan yang boleh dilampirkan kepada pelan Takaful Term 80 dengan bayaran caruman tambahan seperti berikut: Critical Illness Plus Critical Illness Super Waiver of Contribution for Critical Illness Parent Contributor Spouse Contributor Hospital Benefit Accidental Death & Dismemberment Accident Medical Reimbursement Weekly Indemnity Permanent Disability Indemnity Khusus Protection ianya menyediakan perlindungan apabila disahkan mengidap Penyakit Kritikal. ianya menyediakan perlindungan tambahan bagi Kematian, HUKK dan Penyakit Kritikal ianya mengecualikan pembayaran caruman yang seterusnya apabila Penyakit Kritikal disahkan, mengambil alih beban pembayaran caruman sekiranya kejadian tidak diduga yang sedemikian berlaku. ianya mengecualikan pembayaran caruman yang seterusnya sekiranya ibu atau bapa meninggal dunia, mengalami HUKK atau disahkan menghidap Penyakit Kritikal. ianya mengecualikan pembayaran caruman yang seterusnya sekiranya pasangan suami atau isteri meninggal dunia, mengalami HUKK atau disahkan menghidap Penyakit Kritikal. ianya menyediakan manfaat tunai harian bagi kemasukan hospital akibat sebarang penyakit atau kecederaan. ianya melindungi kematian atau kehilangan penggunaan fungsi badan yang menyeluruh yang mana tidak boleh pulih akibat kemalangan. ianya membayar balik perbelanjaan bagi rawatan perubatan akibat kemalangan. ianya membayar pendapatan mingguan sepanjang tempoh Orang Yang Dilindungi tidak dapat bekerja kerana kehilangan upaya sementara akibat kemalangan. ianya menyediakan perlindungan tambahan bagi HUKK yang mana ianya berlaku dalam masa 90 hari dari tarikh kemalangan. ianya menyediakan Khairat Kematian sebanyak RM2,000 dan manfaat kematian tambahan sebanyak RM5,000 untuk lain-lain tujuan.
11 Kelayakan Orang Yang Dilindungi - Sesiapa sahaja yang berumur antara 30 hari hingga 70 tahun Peserta/Pemohon - Sesiapa sahaja yang berumur 8 tahun dan ke atas Model Wakalah MAA Takaful Berhad beroperasi di bawah prinsip Wakalah di mana Pengendali Takaful selaku agen mengendalikan perniagaan Takaful bagi pihak Peserta. Yuran Wakalah akan dikenakan sekali bersama dengan caruman yang dibayar. Tabarru' akan dimasukkan ke dalam APRP dimana ia akan digunakan untuk membantu Peserta lain berdasarkan Konsep Takaful. Manfaat akan dibayar dari APRP hanya untuk kerugian yang dilindungi, dan bukanlah semasa Sijil matang atau penyerahan Sijil. Lebihan pada setiap akhir tahun kewangan (jika ada) akan dikongsi di antara Peserta dan MAA Takaful Berhad mengikut nisbah 50:50. Keuntungan daripada pelaburan yang diperolehi daripada APP adalah TIDAK DIJAMIN dan bergantung kepada prestasi sebenar dana. Keuntungan pelaburan yang diperolehi daripada APP adalah kepunyaan Peserta dan Pengendali Takaful tidak terlibat dengan perkongsian pulangan ini. Yuran Wakalah Tahun Sijil & ke atas Yuran Wakalah (%) Nota : Tambahan 2% Yuran Wakalah akan dikenakan bagi bayaran melalui Biro Angkasa dan Worksite
12 SOALAN-SOALAN LAZIM. Adakah saya layak untuk menyertai pelan ini? Sesiapa yang berusia antara 30 hari hingga 70 tahun layak dilindungi di bawah pelan ini. 2. Bilakah perlindungan saya akan bermula? Perlindungan anda akan berkuatkuasa setelah pihak Pengendali Takaful meluluskan permohonan anda dan caruman telah dibayar. Sijil Takaful akan dikeluarkan untuk permohonan yang diluluskan. 3. Apakah tempoh perlindungan minimum dan maksimum bagi pelan ini? Tempoh perlindungan minimum ialah 5 tahun. Sementara itu tempoh perlindungan maksimum ialah sehingga usia perlindungan maksimum bagi Orang Yang Dilindungi iaitu 80 tahun. Sebagai contoh Orang Yang Dilindungi yang menyertai pelan ini semasa berumur 67 tahun mempunyai tempoh perlindungan maksimum sebanyak 3 tahun. 4. Bagaimana cara saya membayar caruman*? Anda boleh membayar dengan Tunai, Cek, Kad Kredit, Easy Pay (Auto Debit daripada Kad Kredit), Mesin ATM MAA Takaful, Pembayaran di Kaunter (Cawangan MAA Takaful atau di ibu Pejabat), BSN GIRO, Biro Angkasa, Perintah Arahan Tetap dari Bank, Sistem Perbankan Internet dan fasiliti epembayaran. *Sila rujuk kepada konsultan anda untuk maklumat yang lebih lanjut 5. Apa yang akan berlaku sekiranya saya tidak membayar caruman saya? Sijil ini akan diteruskan secara automatik, dengan syarat baki 3 APP cukup untuk meliputi semua jumlah 2 Tabarru'. Jumlah Tabarru akan terus dipotong daripada APP sehingga kehabisan nilai. Jika baki APP di dalam Sijil menjadi sifar atau negatif selepas pemotongan Tabarru, Sijil akan luput serta-merta dan perlindungan akan tamat. Anda boleh menguatkuasakan semula Sijil Takaful anda dengan membayar Yuran Penguatkuasaan Semula sebanyak RM Apakah maksud Hilang Upaya Keseluruhan & Kekal (HUKK)? HUKK ditakrifkan sebagai kehilangan upaya penuh seseorang yang dilindungi disebabkan kecederaan badan akibat kemalangan, penyakit atau kesakitan untuk bekerja sepanjang hayatnya. HUKK juga ditakrifkan sebagai () kehilangan penglihatan penuh dan kekal kedua-dua belah mata atau (2) kehilangan dua anggota pada atau di atas pergelangan tangan atau buku lali; atau (3) kehilangan penglihatan penuh dan tidak boleh pulih pada sebelah mata dan kehilangan menerusi putus salah satu anggota pada atau di atas pergelangan tangan atau kaki. Untuk orang yang tidak bekerja atau tidak mempunyai sebarang pendapatan pada masa HUKK, termasuk suri rumah dan juvana, Ujian Aktiviti Kehidupan Harian digunakan untuk mengukur tahap keadaan HUKK. (Untuk maklumat lanjut mengenai definisi, sila rujuk kepada Kontrak Sijil). 7. Bagaimana cara saya membuat tuntutan ke atas Sijil Takaful? Apabila berlaku tuntutan Kematian, anda hanya perlu memaklumkan kepada Pengendali Takaful secara bertulis mengenai tuntutan yang ingin dikemukakan dan kami akan menghantar borang tuntutan yang perlu kepada anda. Makluman bertulis mesti dibuat dalam masa 90 hari dari tarikh kemalangan. 8. Bolehkah saya menyerahkan Sijil Takaful saya? Ya, anda boleh menyerahkan sijil anda. Nilai APP akan dijelaskan apabila anda menyerahkan sijil. Nilai APP tidak terjamin. Oleh itu, anda dianggap telah menamatkan Manfaat/Perlindungan Takaful anda dan tiada manfaat akan dibayar daripada 4 APRP. 9. Adakah terdapat sebarang caj serahan dikenakan ke atas Sijil Takaful saya? Ya, RM50 5 caj serahan dikenakan ke atas Sijil Takaful anda sekiranya anda menyerahkan Sijil Takaful anda dalam tempoh 3 (tiga) tahun pertama. Tiada caj serahan dikenakan pada tahun seterusnya. 0. Bolehkah saya bertukar daripada satu pelan kepada pelan lain misalnya pelan 20 tahun kepada 30 tahun? Tidak, anda tidak boleh menukar pelan. Bagaimanapun, anda boleh menyertai satu lagi pelan dengan tempoh berbeza, tertakluk kepada had maksimum individu dan garis panduan pengunderaitan.. Adakah terdapat tempoh tambahan yang diberikan kepada pelanggan untuk membayar caruman mereka selepas tarikh tamat tempoh? Ya, 3 hari tempoh tangguh akan diberikan kepada pelanggan untuk membayar caruman mereka selepas tarikh tamat tempoh. 2. Adakah saya layak bagi manfaat Pengeluaran Tunai? Tidak, Sijil ini tidak membenarkan Pengeluaran Tunai. Nota : Lebihan 2% Yuran Wakalah akan dikenakan bagi bayaran melalui Biro Angkasa. 2 Tabarru bermaksud sumbangan dan ianya adalah jumlah yang mana Peserta bersetuju untuk menyalurkan bagi membantu sesiapa yang menyertai dan mencarum dalam Pelan Takaful. 3 APP adalah berdasarkan prestasi dana yang sebenar dan ianya tidak dijamin. Risiko pelaburan di dalam APP akan ditanggung sepenuhnya oleh Peserta dan jumlah nilai dana yang diperolehi mungkin bernilai kurang dari jumlah caruman yang dilaburkan ke dalam dana. 4 APRP adalah dana risiko yang mana tabarru' (sumbangan) akan disalurkan yang bertujuan digunakan untuk sokongan dan bantuanbersama sekiranya Peserta ditimpa musibah. 5 Yuran ini adalah tertakluk kepada 6% Cukai Barangan & Perkhidmatan (GST) berkuatkuasa April 205. Kewajipan anda untuk membayar GST akan membentuk sebahagian daripada Terma-Terma dan Syarat di dalam Sijil Takaful anda.
13 PENGECUALIAN Pengecualian bagi Manfaat Kematian Kematian dengan membunuh diri dalam tempoh satu () tahun dari tarikh mula, atau tarikh penambahan di dalam Jumlah Dilindungi yang mana lebih kemudian, sama ada Orang Yang Dilindungi siuman atau tidak siuman, akan menghadkan liabiliti Pengendali Takaful kepada jumlah APP pada tarikh kematian. Pengecualian bagi Manfaat HUKK a. Mencederakan diri sendiri atau sebarang percubaan ke arahnya sewaktu siuman atau tidak siuman; b. Perkhidmatan tentera pada masa peperangan yang diisytiharkan atau tidak semasa berada di bawah arahan berupa peperangan atau pemulihan pemerintahan awam; c. Memasuki, beroperasi atau berkhidmat, menaiki di dalam atau di atas, menaiki atau membawa kecuali semasa Orang Yang Dilindungi berada di dalam pesawat udara yang dikendalikan oleh penerbangan penumpang komersial yang mengikut jadual penerbangan biasa atau melalui laluan penumpang yang tetap. Nota : Pengecualian diatas tidak menyeluruh dan segala bentuk rujukan hendaklah dirujuk kepada klausa pengecualian di dalam Sijil Kontrak. Contoh Caruman Tahunan untuk Tempoh 30 Tahun (Berasaskan Jumlah Dilindungi RM350,000) Usia Lelaki Wanita ,27,852,852 2,268 3,602 Nota :. Caruman di atas boleh dibayar secara bulanan, suku tahun, setengah tahun atau secara tahunan ,05,260 2,044 Peruntukan Caruman TAKAFUL TERM 80 Caruman yang dibayar adalah berdasarkan jumlah peruntukan seperti berikut: (berdasarkan Lelaki, Umur 35 tahun, Pelan Takaful Term 80 bagi tempoh 30 tahun (dengan Caruman Tahunan sebanyak RM2,268 dan Jumlah Dilindungi RM350,000)) Tahun & seterusnya Jumlah Caruman (RM) 2,268 2,268 2,268 2,268 2,268 2,268 2,268 Yuran Wakalah 75% 65% 55% 45% 35% 25% 0% Yuran Wakalah (RM),70,474,247, Peruntukan Caruman (%) 25% 35% 45% 55% 65% 75% 90% Peruntukan Caruman (RM) ,02,247,474,70 2,04 Caruman yang telah diperuntukkan akan digunakan untuk tujuan pelaburan dalam APP. Jumlah nilai APP adalah berdasarkan kepada prestasi semasa dana dan ianya tidak dijamin. Risiko pelaburan di dalam APP akan ditanggung sepenuhnya oleh Peserta dan jumlah nilai dana yang diperolehi mungkin kurang dari jumlah caruman yang dilaburkan ke dalam dana.
14 TA K A F U L T E R M 8 0 Lien Juvana Sekiranya Orang Yang Dilindungi meninggal dunia/mengalami HUKK sebelum beliau mencapai usia 4 tahun, jumlah perlu dibayar di bawah Sijil Takaful hendaklah mengikut jadual berikut: Usia semasa Kematian/HUKK (Hari Jadi Terakhir) 0 tahun tahun 2 tahun 3 tahun 4 tahun Peratus (%) Jumlah Yang Dilindungi Perlu Dibayar
15 ABOUT MAA TAKAFUL BERHAD MAA Takaful Berhad is a result of strategic joint venture between MAA Group Berhad ( MAAG ) [Formerly known as MAA Holdings Berhad] and Solidarity Company BSC (C) of Bahrain, one of the leading companies in the Arab world. MAA Takaful was incorporated with a paid up capital of RM00 Million and licensed on st July 2007 as a composite Takaful Operator. Today, MAA Takaful has an agency force of over 7,000. MAAG holds 75% equity interest in MAA Takaful while Solidarity holds 25%. TAKAFUL REGULATIONS The Takaful industry in Malaysia is regulated under the Islamic Financial Services Act (IFSA) 203 and is supervised by Bank Negara Malaysia.Takaful Operators are required to follow strict compliance with Shariah, Statutory and Regulations requirements. a. This is a Takaful product and the product is designed in line with Shariah principles. b. If you find the product is unsuitable for whatever reason, you have the right to return the certificate under the clause of free-look period/cooling off period to the Takaful Operator within fifteen (5) calendar days from the date of receipt of your certificate document. The Takaful Operator shall refund full contribution paid less deduction of medical expenses incurred. c. You should satisfy yourself that this plan will best serve your needs and that the contribution payable under the certificate is an amount you can afford. The contributions payable under this certificate are not guaranteed. d. If the consultant discontinues operating under Takaful Operator, the Takaful Operator will appoint new consultant to transmit the future contribution to the Takaful Operator for the affected customer. e. If the certificate terminated in the early years, you may get back less than total contribution paid. f. The certificate will not provide benefit amount from the PRIA in the event of surrender or maturity of the Certificate. g. This brochure is for illustrative purposes only. For further details of term and conditions, please refer to the certificate documents and plan illustration. h. If your contributions are not paid by the due date, your Tabarru amounts will be automatically deducted from your PIA into the PRIA, until the PIA is insufficient at which time the certificate shall lapse. A Grace Period of thirty-one (3) days from the due date will be allowed for you to make a payment. Sign Up Now MAA Takaful Berhad, 8th Floor, No.566, Jalan Ipoh, 5200 Kuala Lumpur. For further enquiries, please call us at or fax to or us at info@maatakaful.com.my Truly Malaysian for Malaysians
16 MENGENAI MAA TAKAFUL BERHAD MAA Takaful Berhad adalah hasil daripada usahasama strategik diantara MAA Group Berhad ( MAAG ) [Dahulunya dikenali sebagai MAA Holdings Berhad] dan Solidarity Company BSC (C) dari Bahrain, iaitu salah satu syarikat Takaful yang terbesar di dunia Arab. MAA Takaful telah ditubuhkan dengan modal berbayar sebanyak RM00 juta dan seterusnya pada Julai 2007, MAA Takaful telah dianugerahkan lesen untuk beroperasi sebagai Pengendali Takaful Komposit. Hari ini, MAA Takaful mempunyai kekuatan agensi lebih dari 7,000. MAAG memegang 75% pegangan ekuiti di MAA Takaful Berhad, sementara Solidarity memegang 25% pegangan ekuiti. UNDANG-UNDANG TAKAFUL Industri Takaful di Malaysia tertakluk di bawah Akta Perkhidmatan Kewangan Islam (IFSA) 203 dan diselia oleh Bank Negara Malaysia. Para Pengendali Takaful perlu mematuhi Shariah, syarat-syarat Berkanun dan kawal selia yang ketat. a. Produk ini adalah produk Takaful dan ianya dirangka mengikut prinsip Syariah. b. Jika anda mendapati produk ini tidak sesuai atas apa jua sebab, anda berhak untuk memulangkan Sijil dibawah fasa tempoh penilaian percuma kepada Pengendali Takaful dalam tempoh lima belas (5) hari kalendar dari tarikh resit dokumen Sijil. Pengendali Takaful akan membayar balik kesemua caruman yang dibayar selepas ditolak dengan perbelanjaan perubatan. c. Anda harus memastikan bahawa pelan ini merupakan pelan yang terbaik untuk memenuhi keperluan anda dan caruman yang dibayar adalah jumlah yang mampu anda bayar. Caruman yang dibayar di bawah sijil ini adalah tidak dijamin. d. Sekiranya konsultan telah menamatkan perkhidmatan dengan Pengendali Takaful, Pengendali Takaful haruslah melantik konsultan baru kepada peserta untuk membuat bayaran seterusnya kepada Pengendali Takaful. e. Jika Sijil ini ditamatkan pada tahun-tahun awal, anda mungkin mendapat jumlah yang kurang dari jumlah caruman yang dibayar. f. Sijil ini tidak akan menyediakan sebarang jumlah manfaat daripada dana PRIA sekiranya Sijil ditamatkan atau sijil telah matang. g. Risalah ini adalah untuk tujuan ilustrasi sahaja. Untuk maklumat lanjut mengenai terma dan syarat, sila rujuk kepada dokumen sijil dan pelan ilustrasi. h. Sekiranya caruman tidak dibayar mengikut tempoh yang ditentukan, jumlah Tabarru anda akan ditolak secara automatik daripada PIA Ke PRIA sehingga PIA tidak lagi mencukupi dan Sijil Takaful akan lupus. Tempoh Ihsan selama tiga puluh satu (3) hari daripada tarikh yang ditentukan akan diberi untuk anda membuat bayaran. Sertailah Sekarang MAA Takaful Berhad, Tingkat 8, No 566, Jalan Ipoh, 5200 Kuala Lumpur. Untuk pertanyaan selanjutnya, sila hubungi kami di atau faks ke atau e-mel kami di info@maatakaful.com.my Truly Malaysian for Malaysians
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